14 Sep In-Network vs. Out-of-Network Therapy: Balancing Cost and Specialty Care
Mental Health Notice: If you or someone you know is experiencing a mental health crisis, call or text 988 (Suicide & Crisis Lifeline, 24/7), text HOME to 741741 (Crisis Text Line), or call 911 in an emergency.
You have finally made the decision. After weeks, or perhaps even months, of weighing your options and recognizing that you need some extra support, you are ready to start therapy. You have overcome the emotional hurdle of asking for help, which is often the hardest and most brave part of the entire process. Now comes a practical question that trips up many people: should you use your in-network insurance benefits, or consider an out-of-network provider? According to the NIMH (National Institute of Mental Health), cost and insurance coverage are among the most commonly cited barriers to accessing mental health care — making it all the more important to understand your options before your first appointment.
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